Which rider, when attached to a permanent life insurance policy, provides an amount of insurance on every family member?

The Family Term Rider is designed to provide life insurance coverage for the entire family, typically including the insured, the spouse, and dependent children, under one policy. This rider effectively broadens the coverage by adding a term insurance component that gives a specified amount of insurance for each family member, often at a lower cost compared to purchasing separate policies for each individual.

This rider is particularly beneficial because it allows families to secure life insurance for multiple members without the need for separate underwriting processes for each individual, making it both a convenient and cost-effective solution for families seeking comprehensive coverage.

Other options like the Income Benefit Rider, Child Rider, and Spouse Rider focus on specific aspects of coverage. For example, the Child Rider typically provides a death benefit specifically for children but wouldn't cover other family members such as the spouse. The Spouse Rider provides coverage for a husband or wife but does not extend coverage to children. The Income Benefit Rider focuses on providing income to the policyholder’s beneficiaries upon their death rather than offering further coverage across family members. Thus, none of these options provide the broader family coverage that the Family Term Rider offers.